RESOURCES

research, studies, and insights from around the industry

Podcasts / Webinars

Listen to industry experts discuss Small Dollar Lending and the options for Credit Union Members and local communities.

Remarkable Credit Union

Ben Morales, CEO of QCash, joins the Remarkable Credit Union to talk about what it means to offer an alternative to payday lending. On this podcast, he shares his unique perspective on why members need these sorts of loans, how a credit union can think about payday lending from a strategy, branding, and financial wellness standpoint, and why a 60-second approval process was the bar QCash had to meet to make their product effective.

Filene Research Institute

Filene Research Institute's Tansley Stearns and Holly Fearing, jump on the line with Qcash Financial CEO Ben Morales to find out more about this short-term small-dollar lending solution that offers credit union members instant funding in less than 60 seconds.Ben shares insights from more than a decade of work behind refining this program and the relationship-based data that makes it so innovative, while Tansley talks future opportunities for credit unions with Qcash.

Must Reads

Whitepaper

Announcing QCash Whitepaper

Debunking Four Common Fears of Small-Dollar Lending

Our new whitepaper presents the strong market demand for short-term, small-dollar lending among a majority of credit union members, and analyzes credit union initiatives and concerns related to small-dollar loan programs. It discusses four common fears credit unions face and how some have overcome these concerns to deliver successful small-dollar lending programs while meeting member needs, many of whom consider these loans as essential to their economic well-being.
Request Whitepaper

CFPB

CFPB Proposal Summary

Summary and analysis of CFPB Proposals

Our Take | Author / Date

Our Take: CFPB Proposals

QCash Plus is not only built to be compliant with current CFPB regulations, but also built with our understanding of the direction the CFPB will take in the near future, thereby extending the longevity of the QCash and QCash Plus by requiring limited to no changes to remain compliant with regulatory shifts.
Our market strategy is two-fold. First, QCash is the only solution for delivering small loans entirely through smart devices that make funds immediately available to end users, giving us a huge competitive advantage. Second, the upcoming regulatory changes have already started impacting the Payday Lending industry greatly. QCash represents a solid defensive strategy for preventing new competitors from capturing your market share from this key demographic. Together, these proposals as presented are a huge win for our strategy and validate our approach to this market.

Beyond Personal Lending

Bruce Cahan
CEO, Urban Logic

Beyond Personal Lending

A paper published by Filene Research by Bruce Cahan

Data analytics and machine-learning techniques are revolutionizing how lenders make pricing and underwriting decisions. Credit unions have a unique opportunity to leverage this power in support of their “member first” philosophy.

Federal Reserve

Economic Well-Being
of U.S. Households

Financial health of individuals on a number of levels, such as overall well-being, housing, economic fragility, savings and spending, access to credit, education and student loans, and retirement planning.…

FDIC

2015 FDIC National Survey

presents new data and insights on the size of unbanked and underbanked markets at the national, regional, state, and large metropolitan statistical area (MSA) levels…

Resources and Education

consumer lending

The JPMC Report

The JPMC report reveals that there is a real need to bring the gap between gaps in consumers income and expense streams. A need for solutions to provide instant liquidity…

consumer lending

Payday Loan Rollovers and Consumer Welfare

Contradictory findings of key assumptions about the market, raise significant policy questions for federal regulators, and suggest the appropriateness of further study of actual consumer outcomes…

consumer lending

Spent: Looking for Change

A film about everyday Americans without the financial options most of us take for granted and the movement giving them renewed hope…

consumer lending

FDIC Primer: Alternative Financial Services

Alternative financial services (AFS) is a term often used to describe the array of financial services offered by providers that operate outside of federally insured banks and thrifts…

consumer lending

Pew Research

Original research findings from the Pew Safe Small-Dollar Loans Research Project on how to create a safe and transparent marketplace for those who borrow small sums of money…